Phase 3 of the Housing Crash Has Begun - Federal Bailouts Just Ended (Video)
In this 8 May 2026 published video, host Michael Bordenaro talks about how the US housing market is entering a more volatile phase, characterized by the termination of pandemic-era federal assistance and record-low buyer demand. While some analysts use “Phase 3″ to describe a potential surge in foreclosures, most experts maintain that a nationwide price collapse remains unlikely due to low inventory.
A critical shift in the market is the rollback of foreclosure mitigation programs that protected distressed homeowners since the pandemic. Reports indicate a generous federal “handout” which allowed homeowners to skip mortgage payments via “partial claims” has been scaled back. FHA borrowers can now only apply for loan modifications or partial claims once every two years and must have made three consecutive payments to qualify. Foreclosure filings rose 28 percent in March 2026 compared to the previous year, a trend expected to accelerate as these bailouts vanish.
Despite weak demand, home prices have not plummeted nationally. Many major forecasts, including Zillow and Redfin, project modest price growth of around 1 to 1.2 percent for 2026 because inventory remains 12 percent below pre-2020 levels.
Recent government actions have focused on supply and institutional ownership rather than direct borrower bailouts. In March 2026, the Senate passed a bill aimed at modernizing housing programs and restricting large institutional investors from buying more single-family homes. Under the Trump administration, HUD has moved to implement rapid evictions, work requirements for assistance, and term limits on housing aid. While broad pandemic “bailouts” have ended, roughly 2,600 state and local homebuyer assistance programs remain active, increasingly targeting middle-class buyers with zero-interest loans or deferred mortgages.
https://youtu.be/J6bmYMheqlE
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